Belfius review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Belfius suits households in Belgium who want everyday banking, savings and a debit card from a single bank. The catch is a 0.6% headline rate on savings, well below this comparison, so the value lies in free running costs and deposit protection.
Key facts
- Best for
- A payment account with no monthly fee, paired with savings and a debit card from the same bank.
- Monthly fee
- €0↗
- Free ATM withdrawals
- €0↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- Belfius Bank↗
- Headquarters
- Belgium↗
- Founded
- 1996↗
- Support channels
- Chat, Phone, Help-centre↗
- Features
- Mobile app
- Audience
- Kids
- Official website
- belfius.be
Personal insurance
Brokers
Savings
Loans
Facts checked September 26, 2026, 11 sources
Pros and cons
Pros
- Deposits are covered by the EU DGS up to EUR 100,000.
- The card is a debit card on the mastercard network, and the savings account is easy access.
- The same group also covers home, renters and auto insurance, with premiums from €8.50.
Cons
- A 0.6% headline rate on a variable basis sits below the 2.75% median for debit card accounts.
- Stock trades cost €3 against a €1 median in this category.
- Support runs on chat, phone and help centre only, so help is remote rather than in person.
Who it suits
- Households in Belgium that want a payment account, savings and a card in one place.
- Anyone banking for children, since the stated audience is kids while the account fee stays at €0.
- Savers who want access at any time, given the easy access account with no end date under Belgian law.
Who should look elsewhere
- Wise, whose monthly fee is £0, if you want an account built around several currencies rather than a single market.
- Starling Personal Account Debit Card, whose monthly fee is £0, for customers who want a UK debit card account.
- Varo Believe Secured Credit Card, whose monthly fee is $0, if you want a secured card rather than Belfius's debit card.
How it compares on our data
Belfius sits at 1 of 422 brands on monthly fee, the strongest position in the comparison. On free ATM withdrawals it ranks 44 of 124, so cash machine access is where the ranking slips, and it matters most for anyone who takes cash out often.
The company behind it
The account is provided by Belfius Bank, a bank based in Belgium and operating since 1996. Support runs on chat, phone and help centre, so a phone call, a live chat or a self service help centre covers most day to day questions, and the same legal entity holds the savings and the payment account.
How Belfius compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.6
9.2 vs 9.2
9.2 vs 8.4
9.2 vs 8.5
9.2 vs 8.8
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.3
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9.2 vs 9.4
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9.2 vs 9.2
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9.2 vs 9.1
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9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.0- 9.2 vs 8.0
Where Belfius is available
- Available
- Belgium
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
Is my money protected at Belfius?+
Savings sit under EU DGS up to EUR 100,000, and the account is a regulated deposit under Belgian law, so the scheme applies to eligible balances. The payment side runs on a debit card, so card purchases come straight from the current balance.
What interest do I earn on savings?+
The headline rate is 0.6% and it is variable, so the figure can move. The median for debit card accounts on the site is 2.75%, which leaves Belfius below the middle. A loyalty premium applies only after a waiting period.
Can I withdraw my savings whenever I want?+
It is an easy access savings account of indefinite duration under Belgian law that can be withdrawn at any time, so savers are not locked into a term. Internal transfers are covered by Free internal transfer, and the account fee is €0.
What card comes with the account?+
The card is a debit card on the mastercard network, and the monthly fee on the payment account is €0. Free ATM withdrawals run to €0, so it is worth checking how often you take cash out before leaning on the card abroad.
Can I invest through the same bank?+
The ReBel platform covers stocks, etfs and funds, and stock trades cost €3 each. Accounts run through ReBel, Belfius Mobile and Belfius Direct Net, with mobile app as the listed feature. The account fee is €0, so trading costs are the main thing to weigh.
How do I get help if something goes wrong?+
Support runs on chat, phone and help centre, covering a phone call, a live chat and a self service help centre. Claims can be started through mobile app, belfius direct net and online form, which also lists a round the clock assistance line for insurance and card problems.
Does Belfius do anything beyond banking and savings?+
The group also writes insurance across home, renters and auto, acting as an insurer rather than a broker, with premiums from €8.50 and monthly payments available. It lends directly too, with home improvement listed as a use case.
Sources
- en.wikipedia.org/wiki/Belfius checked September 26, 2026
Backs: Deposit protection, Founded, Headquarters
“Founded 1996”
- belfius.be checked September 26, 2026
Backs: Lender type, Loan types, Use cases
“Simuleer uw renovatielening”
- belfius.be/retail/nl/contact/index.aspx checked September 26, 2026
Backs: Support channels
- belfius.be/retail/nl/producten/sparen-beleggen/rebel/inde... checked September 26, 2026
Backs: Features, Markets, Platforms
“ReBel is volledig geintegreerd in uw Belfius-app”
- belfius.be/retail/nl/producten/sparen-beleggen/rebel/tari... checked September 26, 2026
Backs: Account fee, Deposit and withdrawal fees, Stock trade fee
- belfius.be/retail/nl/producten/sparen-beleggen/sparen/ind... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Legal entity, Pricing model, Rate type
“Gecommercialiseerd door Belfius Bank”
- belfius.be/retail/nl/producten/verzekeringen/schade/index... checked September 26, 2026
Backs: Claims channels
- belfius.be/site/retail/nl checked September 26, 2026
Backs: Audience
- belfius.be/site/retail/nl/producten/betalen/betaalrekeningen checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Monthly fee, Card network
“Beats Pulse Gratis”
- belfius.be/site/retail/nl/producten/verzekeringen checked September 26, 2026
Backs: Insurance types
- belfius.be/site/retail/nl/producten/verzekeringen/huisdieren checked September 26, 2026
Backs: Provider type, Monthly payments, Premium from
“Uw prijs: vanaf 8,5/maand (100/jaar)”
- belfius.be/site/retail/nl/producten/verzekeringen/woning/... checked September 26, 2026
Backs: Excess from
Compiled from 12 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.
Related by the facts
Belfius
A payment account with no monthly fee, paired with savings and a debit card from the same bank.